보험설계사 특성과 고용보험 적용 시 유의점

Abstract

The purpose of this article is to analyze the labor market characteristics of insurance agents with special employment relationships and to review matters that should be considered policy in the employment insurance application process. The following characteristics were identified using data from the National Tax Service, Statistics Korea, and insurance company panel data, which can analyze the labor market of insurance agents: First, according to the national tax statistics, insurance agents were 610,000 people, including 500,000 people subject to withholding and 110,000 people subject to comprehensive income reporting, and U-shaped income distribution is showing polarization within insurance agents. Second, even during COVID-19, insurance agents maintain stable employment status due to low risk of losing their jobs, and have high self-determination of working hours, making them compatible with work and life, and have short working hours. Third, insurance agents rely entirely on sales commissions because their type of remuneration is performance-based, showing that income deviation within insurance agents is very large and income volatility is very high depending on economic conditions. The results show that applying employment insurance to insurance agents’ occupations requires timely identification of individual monthlyincome for stable operation. Also, individual insurance agents can lead to changes in income flow, which may lead to moral hazard. Therefore, it may be difficult to apply the unemployment recognition criteria, such as income reduction standards, as well as the calculation and payment of insurance premiums.